I picked the other reason option… because while I love the monogram… I found myself wondering if the background letter is a T or an F… The way that the letters on top cover the background letter… leave the observer to take a pick. My assumption is that it’s supposed to be a T, but in realizing that it could be easily thought of as looking like an F, made me think you may want to look at some other variations. (I think it would bug me to if I noticed that later!)